Available at account opening (subject to status). The first £250 of any arranged overdraft is interest free. Overdraft interest is charged at 39.9% EAR variable on all balances over £250 and up to any arranged overdraft limit.
M&S Visa Debit Card
Our Visa debit card can be used at over 38 million locations in over 200 countries and it comes with contactless technology built in.
Manage your accounts online, check balances and transactions, pay bills and make payments.
M&S Loyalty Scheme
Earn 1 point for every £1 spent on your M&S Visa Debit Card in M&S (in store and online) through the M&S Loyalty SchemeM&S Loyalty Scheme.
M&S Banking App
Quickly keep track of your current account spending on the go with this easy to use app. Device restrictions apply.
Representative example: 0% EAR variable on the first £250, 39.9% EAR variable on anything above that, giving a representative rate of 30.5% APR variable (assumed arranged overdraft £1,200).
The M&S Current Account is subject to status and account conduct. You must be aged 18 or over.
Footnote 1* Access to the M&S Monthly Saver is available when you switch to us using the Current Account Switch Service and include two active Direct Debits. You can save from as little as £25 up to a maximum of £250 a month. Which means that, if you pay in the maximum monthly contribution of £250 on the same date each month, for 12 months, you could earn gross interest of around £44.69. Partial withdrawals not permitted. Interest is paid at the end of the 12 month term. If you save less than £250 in any given month, you can carry over any unused allowance to the following months. Monthly Saver interest is calculated daily and credited annually at the end of the 12 month term. Rate is subject to change.
Can I switch my account on a date that suits me?
Yes, you can select and agree a date with your new bank or building society and the process will start 6 working days before that date. Working days are Monday to Friday, excluding bank and public holidays.
What is the Current Account Switch Guarantee?
The guarantee sets out the key benefits of the service and specifies that you will be refunded any charges and interest incurred on your old or new bank account as a result of a failure of the service. All banks and building societies that display the Current Account Switch logo offer the Current Account Switch Service and abide by the guarantee.
How does the M&S Bank Debit Card work with Sparks?
Use your M&S Debit Card and Sparks card together when you shop at M&S and earn even more rewards.
How has Sparks changed?
Sparks has become simpler and more rewarding. Points have been removed and exciting new benefits have been introduced instead, like the chance to get surprise treats every time you shop. Sparks may have changed, but your M&S Debit Card points haven’t. You'll still continue to collect points every time you spend at M&S on your M&S Debit Card and receive your M&S reward vouchers every three months.
For more information about Sparks visit the join sparks page.
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AER is the annual equivalent rate. This is the interest rate you would receive if interest was paid and added to your savings on an annual basis. Gross is the rate of interest if interest were paid and not compounded each year. Interest rates correct as at 15 November 2019. EAR is the effective annual rate.
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